Terms of Use

1. Agreement to Terms

By accessing or using the website located at www.1rate.com (the "Site"), you agree to be bound by this Terms of Use Agreement ("Agreement"). This Site is owned and operated by 1RATE, Inc. ("1RATE", "we", "us", or "our"), NMLS ID #1948084. If you do not agree to these terms, please do not use this Site. You must be at least 18 years of age to use this Site and opt-in to communications.

2. Services Provided

1RATE is a licensed mortgage broker. The information provided on this Site is for general informational purposes only and does not constitute a loan offer or commitment to lend. All loan programs, rates, terms, and conditions are subject to change without notice and may be subject to borrower qualification.

3. User Conduct & Prohibited Use

As a condition of your use of this Site, you warrant to 1RATE that you will not use this Site for any purpose that is unlawful or prohibited by these terms. You agree not to:

• Use the Site in any manner that could damage, disable, overburden, or impair the Site.

• Attempt to gain unauthorized access to any part of the Site, computer systems, or networks connected to the Site.

• Obtain or attempt to obtain any materials or information through any means not intentionally made available through the Site.

4. Intellectual Property

All content included on this Site, such as text, graphics, logos, images, and software, is the property of 1RATE, Inc. or its content suppliers and is protected by United States and international copyright laws. You may view, download, and print materials from this Site for your personal, non-commercial use only.

5. Disclaimers and Limitation of Liability

The information on this Site is provided "as is" without warranty of any kind. While 1RATE strives to keep the information on this Site accurate, complete, and up-to-date, we cannot guarantee, and will not be responsible for, any damage or loss related to the accuracy, completeness, or timeliness of the information. To the maximum extent permitted by law, 1RATE, Inc. shall not be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of or in any way connected with the use of this Site.

6. E-Consent and SMS Communication

By submitting your contact information on this Site, you expressly consent to receive communications from 1RATE, Inc. via phone, text message (SMS/MMS), and email. You agree that we may use automated technology to contact you regarding your account, loan status, and appointments. Carriers are not liable for delayed or undelivered messages. For more information on how we handle and protect your data, please review our Privacy Policy.

SMS Data Protection:

We respect your privacy. Mobile information and SMS opt-in consent will not be shared with, or sold to, third parties or affiliates for marketing or promotional purposes.

Standard message and data rates may apply. Message frequency varies. You may opt-out of text messaging at any time by replying "STOP". For assistance or help, reply "HELP".

7. State Licensing

1RATE, Inc. is a licensed mortgage broker.

• NMLS ID: 1948084

• Maryland: Licensed by the Commissioner of Financial Regulation.

• Virginia: Licensed by the Virginia State Corporation Commission.

• District of Columbia: Licensed by the Department of Insurance, Securities and Banking. For full licensing information, please visit www.nmlsconsumeraccess.org.

8. Governing Law

This Agreement is governed by the laws of the State of Maryland. You hereby consent to the exclusive jurisdiction and venue of courts in Montgomery County, Maryland in all disputes arising out of or relating to the use of this Site.

9. Contact Information

If you have questions regarding this Agreement, please contact us:

1RATE, Inc.

12123 Heritage Park Circle

Silver Spring, MD 20906

Phone: (240) 292-1490

Email: [email protected]